Articles from Article Alley, tagged with "consumer reporting agencies" http://www.articlealley.com en-us editorial@articlealley.com How to check your credit score To find out how to check your credit score use The Fair Credit Reporting Act. It is required of consumer reporting agencies, like credit bureaus, to provide their records of you at least once ever twelve months. How to check your credit score is so import... http://www.articlealley.com/http://accurise3.articlealley.com/how-to-check-your-credit-score-2350543.html 19th September 2011 Credit Repair Tips - Obtaining Your Credit Report If you're not familiar with the Fair Credit Reporting Act (FCRA) established in 1971, you need to understand it and know your rights as a consumer. One of your rights as a consumer is obtaining your report. This is one of my credit repair tips is to get y... http://www.articlealley.com/http://jeffreysragan.articlealley.com/credit-repair-tips--obtaining-your-credit-report-2228737.html 13th May 2011 Allow Debt Collectors to Call You Harassing phone calls from debt collectors often sends chills down your spine. Instead of refraining from taking the calls or banging down the phone, take the calls and engage in conversations with debt collectors. Allow them to call you repeatedly, shout... http://www.articlealley.com/http://victor13.articlealley.com/allow-debt-collectors-to-call-you-2101039.html 09th March 2011 Don’t Let Late Payments Mar Credit Records If there are minor negative credit information that is causing your low credit scores, do something about it before it starts affecting your access to consumer credit information. You might take it lightly not but you surely will not find it anything by c... http://www.articlealley.com/http://herschel.articlealley.com/dont-let-late-payments-mar-credit-records-1924240.html 29th December 2010 What To Do When You Need Credit Repair You do not want to get stuck with bad credit. Neither do you want to have bad credit for things that you were not really responsible for. Some people have had the unfortunate experience of finding out that they have inaccurate credit records just when t... http://www.articlealley.com/http://herschel.articlealley.com/what-to-do-when-you-need-credit-repair-1921408.html 24th December 2010 Facing the Dreaded Credit Report The prospect of requesting and inspecting your credit report ranks right up there with going to the dentist. No one looks forward to it, but reviewing your credit report is as necessary to your financial health as regular cleanings are to your dental heal... http://www.articlealley.com/http://sergeilemberg.articlealley.com/facing-the-dreaded-credit-report-1846683.html 17th November 2010 Fort Myers Moving service drive away the Fear of moving As per the regulation of the destiny, the only constant thing in life is change! And the people who go places are the ones who keep moving. Keeping this simple attitude in mind, an individual or a family may face many such situations in life where they ha... http://www.articlealley.com/http://jsimpson.articlealley.com/fort-myers-moving-service-drive-away-the-fear-of-moving-1791447.html 14th October 2010 Major Advantages of Business Credit Cards New business credit cards are great tools in building corporate credit especially for start-up companies. But aside from that, using business credit cards can make administrative tasks a lot easier to handle. Business owners can also rely on accurate re... http://www.articlealley.com/http://pamelawilliams.articlealley.com/major-advantages-of-business-credit-cards-1723457.html 31st August 2010 Quick Tips To Improve Your Credit Score Credit scores are the equivalent of a financial report card. There is no way to avoid having credit scores since the Big Three consumer reporting agencies - Equifax, Trans Union, and Experian - keep tabs on your credit situation daily. These agencies then... http://www.articlealley.com/http://milfordbender.articlealley.com/quick-tips-to-improve-your-credit-score-1654998.html 14th July 2010 Identity Theft Help The Fair Credit Reporting Act (FCRA) was passed by the Congress and enforced by the Fair Trade Commission (FTC) to protect consumers against inaccuracies, unfair and misleading information in the consumer reporting agencies' (Equifax, Transunion and Exper... http://www.articlealley.com/http://robertanderson1.articlealley.com/identity-theft-help-1639108.html 06th July 2010 All-Important Guidelines to Select Right Moving Companies There are innumerable moving companies operating their business inside Canada. As you have plenty of alternatives to select from, it is quite natural to be carried away. Even though most of the moving companies vie with one another over price, the real ta... http://www.articlealley.com/http://styanwilliams.articlealley.com/allimportant-guidelines-to-select-right-moving-companies-1636448.html 05th July 2010 Debunking the Myth of National Criminal Search What do the following have in common: "National Criminal Search", "Multijurisdictional Search", "Bigfoot", "National Crime Information Service"? Did I hear you answer they are all myths? Correct! None of the above searches exists, but many backgroun... http://www.articlealley.com/http://dondymer.articlealley.com/debunking-the-myth-of-national-criminal-search-1581686.html 03rd June 2010 Bad Credit Cards: What Is It and How Do You Clear It? What exactly are bad credit cards? What exactly makes one "bad" In the first place? A bad credit card is in fact a negative credit card rating. What is a credit rating may you ask? A credit rating is a form of "credit score", in which uses a form of mathe... http://www.articlealley.com/http://stuartmichael.articlealley.com/bad-credit-cards-what-is-it-and-how-do-you-clear-it-1573240.html 29th May 2010 Your Rights Under the Fair Credit Reporting Act Disclaimer: This article is provided purely for informational purposes and should not be considered professional advice. The author is not a lawyer. Please consult with your attorney before making any important legal decisions. Anyone who pays attenti... http://www.articlealley.com/http://chucklin1.articlealley.com/your-rights-under-the-fair-credit-reporting-act-1398168.html 16th February 2010 What Might Affect Your Car Or Auto Insurance Rates? Every insurance company will have certain factors based on which they determine the policy rates. These factors include your driving record, credit ratings, driver's sex or gender, age of the driver, distance or kilometers driven on an average etc. Are yo... http://www.articlealley.com/http://arushkeerthi.articlealley.com/what-might-affect-your-car-or-auto-insurance-rates-1351266.html 15th January 2010 What to Do in Case of Identity Theft Filing a police report, checking your credit reports, notifying creditors, and disputing any unauthorized transactions are some of the steps you must take immediately to restore your good name. Should you file a police report if your identity is stole... http://www.articlealley.com/http://jakesaab2.articlealley.com/what-to-do-in-case-of-identity-theft-1218157.html 05th November 2009 An Accurate Credit Report is Important A credit report is a type of consumer report that contains basic information about a person, such as their residence, their place of work, and the manner in which they pay their bills. In addition to this basic information the credit report also contains ... http://www.articlealley.com/http://nickmesse.articlealley.com/an-accurate-credit-report-is-important-1211967.html 02nd November 2009 How To Get Your Free Government Credit Report The Fair Credit Reporting Act, or FCRA, entitles you to a free copy of your own government credit report every year. You are assured of the privacy and accuracy of information when you deal with the authorized consumer reporting companies. Your credit ... http://www.articlealley.com/http://andyzain.articlealley.com/how-to-get-your-free-government-credit-report-1090315.html 16th September 2009 Consumer Reports - Treadmills Lead Industry It is estimated that over 18 million Americans will consistently work out on a treadmill in their own homes this year. Out of all workout equipment machines, this is tops. It has been this way for years. The treadmill, in both its simplicity and its re... http://www.articlealley.com/http://jenniferhansen.articlealley.com/consumer-reports--treadmills-lead-industry-999686.html 26th July 2009 Knowing Your Rights Is Your Responsibility If you are beginning to feel debt mounding around you, it is time you consult the Truth in Lending Act and learn your rights. It is a federal law designed to protect consumers in credit transactions, it lays down regulations requiring clear disclosure o... http://www.articlealley.com/http://breezegocss.articlealley.com/knowing-your-rights-is-your-responsibility-997442.html 24th July 2009 Is Making Money Online Really Possible If you are to believe the hype on many email recruiting packages, making money online is just a matter of responding to the offer with your pocketbook open. Here's how to find legitimate offers. If you are in a situation where you need to earn some ... http://www.articlealley.com/http://alan.articlealley.com/is-making-money-online-really-possible-982131.html 16th July 2009 What are my Legal Rights regarding my Credit? Many people often find out too late that they have a bad credit report. They have applied for a loan, tried to get a job or even were trying to buy insurance. Once you have find out you have bad credit, what are your options? Are there any legal options? ... http://www.articlealley.com/http://meljensen.articlealley.com/what-are-my-legal-rights-regarding-my-credit-956997.html 30th June 2009 3 Simple ways to Improve Your FICO Score There are many ways people try to raise their credit score and some aren't as good as others. Furthermore, people frequently try to find a FICO score immediate fix but really isn't. The information that goes into the FICO score formula is found on your ... http://www.articlealley.com/http://williamlathrop.articlealley.com/3-simple-ways-to--improve-your--fico-score-869963.html 27th April 2009 All About Your FICO Score When it comes to credit, your FICO score is what counts. If you're new to the credit or home buying game, FICO is probably a very mysterious and confusing word. You probably already know it has something to do with credit; but do you know exactly what you... http://www.articlealley.com/http://justinnarin.articlealley.com/all-about-your-fico-score-869716.html 27th April 2009 Why Your Credit Report is Important to Employers If you have applied for a new job you might have been met with a request by the employer to run a background check. This is done by the most employers and it almost always includes your criminal record. The job could also ask for your DMV record and a r... http://www.articlealley.com/http://williamlathrop.articlealley.com/why-your-credit-report-is-important-to-employers-841980.html 31st March 2009 What Can You Do About The Three Most Important Interest Rate Factors? Three three major factors exist impacting how much interest you pay on a loan. Realizing such determinents will save you regarding time, money and frustration. 1. The Federal Reserve Discount Interest Rate. Lending institutions, such as banks, borr... http://www.articlealley.com/http://ericweeks.articlealley.com/what-can-you-do-about-the-three-most-important-interest-rate-factors-800248.html 28th February 2009 Small Business Owner’s Guide to Background Checks Good employees are valuable. For small companies, making bad hiring decisions can mean the difference between staying in business, or not. The prevalence of background checks on prospective employees continues to grow every year, and employers need to c... http://www.articlealley.com/http://cathytaylor.articlealley.com/small-business-owners-guide-to-background-checks-684490.html 10th November 2008 Credit Repair - Fix Bad Credit - Credit Restoration - Credit Report Repair - Credit Repair Expert Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Bill can be heard weekday'... http://www.articlealley.com/http://williamelewisjr.articlealley.com/credit-repair--fix-bad-credit--credit-restoration--credit-report-repair--credit-repair-expert-618237.html 04th September 2008 Are You Looking For Credit Repair Help You Demand To Discover Credit Repair Help Your credit history is a special privilege to receive and many a individuals take it for granted until it's to a fault late and they have destroyed their good credit and usually individuals find out when they l... http://www.articlealley.com/http://nuttz4u2.articlealley.com/are-you-looking-for-credit-repair-help-591238.html 27th July 2008 What is a credit restoration consultant? Credit Restoration Consultants basically is a credit service organization. They are basically specialized in the restoration of consumer credit worthiness and also identity theft if any. They are there to assist consumers and provide help to achieve a man... http://www.articlealley.com/http://billhartzer.articlealley.com/what-is-a-credit-restoration-consultant-575606.html 14th July 2008 FCRA: Summary of your rights The misuse of easily and unaccountably obtained personal information can cause severe damages to the concerned person whose information has been collected. To prevent such circumstances, American Federal Law created the Fair Credit Reporting Act (FCRA) wh... http://www.articlealley.com/http://rakeshjha2.articlealley.com/fcra-summary-of-your-rights-572638.html 09th July 2008 27,400 Cases of Identity Theft Daily - Will You Be Next? Did you know that within the United States alone, there are 10,000,000 victims of identity theft every year. That is a stunning 27,400 cases every day or 1,140 victims every hour. What is even more disturbing is that by all indications, this problem will ... http://www.articlealley.com/http://christopherphillips.articlealley.com/27400-cases-of-identity-theft-daily--will-you-be-next-136934.html 12th March 2007 Background Employment Screening And Keeping it Legal There are numerous legal considerations that should be taken into account when implementing background employment screening as part of your hiring policies. The Federal Credit Reporting Act (FCRA), state statutes, reporting guidelines and applicant disclo... http://www.articlealley.com/http://patrickbarnett.articlealley.com/background-employment-screening-and-keeping-it-legal-123034.html 24th January 2007 Law and Consumer Report Agencies Laws were made to help people bring justice to their lives, and it is the violation of these laws what makes a person go through harsh time. The Federal Trade Commission (FTC) designed the laws that assured people's right to obtain, maintain and use cred... http://www.articlealley.com/http://martinrogers.articlealley.com/law-and-consumer-report-agencies-111370.html 12th December 2006 How an employee background check works Over the past few years pre-employment background checks have gained significance for employers big and small. Companies can either execute the required activities in-house or can outsource them to human resource companies that specialize in carrying out ... http://www.articlealley.com/http://stanleyalpin.articlealley.com/how-an-employee-background-check-works-52850.html 12th May 2006 The Fair Credit Reporting Act and You You have a file out there on you. Even if you never have been arrested, or have been pulled over for a speeding ticket, and even if you never even got a detention in high school, there's a file out there on you. It contains almost everything out there on ... http://www.articlealley.com/http://joshuashapiro.articlealley.com/the-fair-credit-reporting-act-and-you-36789.html 17th March 2006 Credit Report -- 5 Secrets Credit Bureaus Don't Want You to Know If you've ever applied for a loan or credit card, chances are your lender acquired and examined a copy of your credit report before deciding whether or not to grant you credit. Your "Credit Report" is a record of your credit history and it's prepared ... http://www.articlealley.com/http://jimeastman.articlealley.com/credit-report--5-secrets-credit-bureaus-dont-want-you-to-know-26443.html 01st February 2006 How To Easily Raise Your Credit Score 75 points How To Easily Raise Your Credit Score 75 points ) Copyright 2005 Vincent Dail Clean Credit Reports, your credit report contains information about where you work, live and how you pay your bills (On time or not). It also may show whether you've... http://www.articlealley.com/http://vincentdail.articlealley.com/how-to-easily-raise-your-credit-score-75-points-7900.html 08th September 2005